Liability policies insure an insured’s liability for sickness or death caused to third parties under which coverage?

Liability policies insure an insured’s liability for sickness or death caused to third parties under which coverage?

• A. Personal Liability
• B. Bodily Injury
• C. Medical Payments
• D. Supplementary Payments

Answer: (C)

The correct choice in the context of liability policies addressing an insured's liability for sickness or death caused to third parties is bodily injury coverage. This type of coverage specifically addresses injuries, including sickness or death, that may be inflicted on others due to the actions or negligence of the insured. It is designed to provide financial protection against claims arising from these situations, covering legal expenses and any settlements or judgments that may be necessary due to liability. Medical payments coverage typically provides immediate benefits for medical expenses incurred due to injuries sustained by a third party, but it does not address the broader liability aspects for sickness or death caused by the insured. Supplementary payments, on the other hand, are additional coverages that can assist with legal defense costs but do not specifically cover liability for bodily injury. Personal liability focuses on the insured's overall liability for damages caused to third parties but does not pinpoint the specific coverage that directly addresses sickness or death caused by the insured. Therefore, bodily injury coverage is the most appropriate answer for this context.

The correct choice in the context of liability policies addressing an insured's liability for sickness or death caused to third parties is bodily injury coverage. This type of coverage specifically addresses injuries, including sickness or death, that may be inflicted on others due to the actions or negligence of the insured. It is designed to provide financial protection against claims arising from these situations, covering legal expenses and any settlements or judgments that may be necessary due to liability.

Medical payments coverage typically provides immediate benefits for medical expenses incurred due to injuries sustained by a third party, but it does not address the broader liability aspects for sickness or death caused by the insured. Supplementary payments, on the other hand, are additional coverages that can assist with legal defense costs but do not specifically cover liability for bodily injury. Personal liability focuses on the insured's overall liability for damages caused to third parties but does not pinpoint the specific coverage that directly addresses sickness or death caused by the insured. Therefore, bodily injury coverage is the most appropriate answer for this context.